I have booked a holiday for October to Egypt, I have paid deposit but have to pay up at the beginning of July. Since I booked I have had heart trouble and may need surgery perhaps. If I cancel can I reclaim my deposit and my husbands insurance - I am insured with my bank.
Some friends of mine have just been in the same situation - holiday cancelled because of sudden ( new, not pre-existing ) medical problem. All payments were promptly refunded by insurer, no quibbling. But this couple were both insured by the same company - things may be a little more complicated for a couple insured by different companies.